₦airaland Forum

PropertyQuestNG:
Happy Tuesday, Nairaland!

As promised, today I'm sharing a real case from my practice. I've changed names and minor details to protect privacy, but everything else is 100% true.
This story will show you why EVERY SINGLE DETAIL matters in property transactions.

THE STORY OF MR. ADELEKE (not his real name)
In 2023, Mr. Adeleke, a 45-year-old businessman, decided to buy a commercial property in Ikeja. The asking price was N45 million, and after negotiations, they settled at N42 million.

The seller, Chief Benson (not real name), seemed legitimate:

• Well-dressed, drove a nice car
• Had an office in a decent area
• Showed all the documents (C of O, Survey Plan, Tax receipts)
• Even had a lawyer present during meetings
Mr. Adeleke was impressed. He paid N15 million deposit and agreed to pay the balance within 60 days.

WHAT WENT WRONG:

Mr. Adeleke came to my office AFTER paying the N15 million. He wanted me to help him complete the transaction and transfer the documents to his name.

When I examined the documents, I noticed something: The Certificate of Occupancy had THREE registered owners (joint ownership), but the Deed of Assignment being prepared only had TWO signatures.

I asked: "Where is the third owner's signature?"
Chief Benson said: "Oh, that's my younger brother. He's traveling abroad. He'll sign when he returns in 3 months."

I told Mr. Adeleke: "Don't pay another kobo until all three owners sign."

But here's where it got messy...

THE PLOT THICKENS:
We tried to reach the third brother. After weeks of calls and messages, we finally got him on the phone.

His response shocked everyone:

"SELL WHAT PROPERTY? I never agreed to sell! That's our family land. Chief Benson and my other brother don't have my consent!"

Immediately, we knew there was trouble.
It turned out:
• Chief Benson and one brother wanted to sell
• The third brother refused
• They thought they could forge his signature or convince him later
• They had already collected N15 million from my client

THE LEGAL BATTLE:
Mr. Adeleke demanded his money back. Chief Benson refused, saying "I'll convince my brother, just give me time."
Six months passed. No signature. No refund.
We filed a lawsuit. The case dragged for 18 months. Legal fees piled up. Mr. Adeleke's business suffered because his capital was tied up.

Eventually, the court ruled in our favor, but guess what?
Chief Benson and his brother had already spent the money. They claimed bankruptcy. We got a judgment, but collecting the money was another battle entirely.

As of 2025, Mr. Adeleke has only recovered N6 million of his N15 million. The rest? Gone.

THE LESSONS:

1. Joint Ownership Requires ALL Signatures: If a property has multiple owners (husband & wife, siblings, partners), EVERY SINGLE PERSON must sign the sale agreement. One missing signature makes the whole transaction invalid.

2. Don't Accept Excuses: "He's traveling," "She's sick," "He'll sign later" - these are all red flags. If someone can't sign NOW, postpone the deal until they can.

3. Verify Before You Pay: Mr. Adeleke paid N15 million BEFORE proper verification. If he had consulted a lawyer BEFORE paying, we would have spotted this issue immediately.

4. Get Your Lawyer Involved Early: Don't wait until after payment to hire a lawyer. We should be there from day one, reviewing documents and asking the hard questions you might not think to ask.

5. Winning a Court Case Doesn't Guarantee Your Money Back: Even if you win in court, if the seller has spent or hidden the money, recovery is extremely difficult.

THE PAINFUL TRUTH:

Mr. Adeleke lost N9 million (so far) plus legal fees of about N800,000, plus the mental stress and time wasted.
All of this could have been avoided if he had:
• Hired a lawyer BEFORE paying deposit
• Insisted on seeing ALL owners sign before paying
• Done a proper title search
• Not rushed the process

RED FLAGS YOU SHOULD NEVER IGNORE:
🚩 "My co-owner will sign later" 🚩 "Just pay deposit first, we'll sort out documents later" 🚩 "Trust me, everything will be fine" 🚩 Any pressure to pay quickly 🚩 Reluctance to let you verify documents independently 🚩 "My lawyer friend will handle everything" (You need YOUR OWN lawyer!)

MY ADVICE TO YOU:

Property transactions are NOT romantic relationships where trust is enough. This is business. This is your hard-earned money.
VERIFY EVERYTHING. VERIFY EVERYONE. VERIFY EVERY SIGNATURE. VERIFY EVERY DOCUMENT.
If a deal requires you to "just trust" someone, it's not a deal - it's a gamble.

QUESTIONS FOR YOU:
1. Have you ever been in a situation where you had to "just trust" a seller? How did it turn out?
2. Would you have done anything differently than Mr. Adeleke?
3. Do you think N800,000 legal fees to avoid losing N15 million is worth it?
Drop your thoughts below. And if you have similar experiences, share them so others can learn.
Thursday, we'll talk about OMO ONILE and your legal rights when confronted. You don't want to miss that one!
Have a great weekend, and remember: Smart property owners verify EVERYTHING! 💯

Prec1ous:
Precious Iriaevho
CrudeClarity - Raw Truths. Real Growth.

The Federal Government has declared Tuesday and Wednesday, April 9 and 10, 2024, as public holidays to mark the Eid-el-Fitr celebration.

The Minister of Interior, Olubunmi Tunji-Ojo, disclosed this in a statement on Sunday by the ministry’s permanent secretary, Aishetu Ndayako.

The minister congratulated all Muslims for the successful completion of the fasting in the holy month of Ramadan.

Tunji-Ojo called on them to imbibe and practise the virtues that entail kindness, love, tolerance, peace, good neighbourliness, and compassion, as exemplified by the Holy Prophet Muhammad (Peace be upon Him).

bablojnr po andst=128466191:
https://independent.ng/guinness-world-records-nigerian-traveler-sets-to-tour-54-african-countries-by-road-sea/

https://allure.vanguardngr.com/2024/02/ileri-babalobi/


My name is Ileri Babalobi and I am trying to become the 1st African to visit all 54 African countries without using a plane. In the process,I plan to set 2 Guinness world records and Raise money for the Nigerian Red Cross. I expect to take about 6months. Here's why I'm doing this

I've been backpacking for nearly 10 years now. I have been to all 36 states of Nigeria, and when I lived in Ghana, all the 16 regions there as well as over a dozen African countries. i've been trying to visit all African countries for a long time and I'm finally close to doing it

On the trip I'll be exploring the culture and visiting the Tourist Areas of each place I visit and stream it on YouTube here https://youtube.com/@africatours . I've always been interested in how people in other cultures and places live. Which brings me to why I'm making this trip . ..

1) Im very Pro Nigerian and without being facetious, I've always wanted to do something for her Gratis . I hope to raise a lot of money for the Nigerian Red Cross. The official name of the attempt is Naija to the World and at each Border I'll take a picture with the Nigerian flag.

2 I want to show how people in other countries live
3 I would be promoting the Borderless Africa campaign by Africans Rising, which seeks to remove barriers to migration ( such as expensive visas) among African Nations.
4) it's a Chance to fulfill a life long personal dream .

I'll leave from Lagos in March and I plan to do a daily summary here on nairaland everyday , as well as two YouTube videos of the days adventures.
Advice and tips are welcome

@

LooneyLester:
At least he falls sick he'll get a benefitting health care

GreatKingg:
Nigeria shall be great again!!

This last election really exposed a lot of ills we have in our society. The division is just so glaring and clear for all to see. What people seems to forget is that we are first Nigerians, before ethnicity and religion. The last election shows the division along ethnic and religious lines. Let's be honest here, none of the three candidates that aspired to the highest office of the land would have had it easy. We all yearn for CHANGE, but yet we want to keep doing same thing as of old (same thing that haven't brought development over the years). We all talk about the good and better amenities in the Western world, which is why everyone wants to japa, but we all seem to forget that the same place you want to japa to, the citizens ancestors sacrificed a lot to make it look good for you to want to go there. No nation had it easy to greatness.

Nigeria's problem is too complex to be solved even in 20 years. We elected leaders, not magicians. Economy turnaround doesn't happen overnight. It takes a whole lot of planning and careful execution.

I really don't get how some people are waiting for the current administration to fail. The failure of the administration affects you and me, period. You voted because you are a patriot. If your candidate didn't win or wasn't announced as the winner, that doesn't mean you should wish ill on the country so you can mock the people that voted the winner. It is illogical and senseless. As a patriot, your allegiance should be to the country, not an individual.
 
Elections have come and gone. All we need to do is work with the administration to push the nation forward. We have no other place to call home. Nigeria is home.

walehammed:
God bless Nigeria

Nazgul:
Very straight forward exam questions...if you're a student that's up to date with his/her lecture notes, you'll definitely request for at least 5 extra sheets. Cos I don't see any thing difficult here.

Since we're still on the 25% Abuja issue. If you look at the instructions carefully, According to it, you're expected to answer a total of 3 questions.

They said answer question one AND any other two. Meaning if you answer question one correctly AND fail to answer any other two questions as directed by the lecturer, you'll definitely fail the exams.

Now back to the elections, what this implies is that if a candidate fails to fulfill the 25% votes in Abuja, it means he shouldn't be declared winner cos it's like a student answering only number one question AND leaving the remaining two. This means that the candidate shouldn't be declared winner according to the instructions INEC themselves gave for the election.

Djoel:
Wow! What a courageous woman. Her speech is even more Presidential and commands my respect than BAT's acceptance speech.

Yes Mama, we hear you loud and clear.

*WE WILL HAVE THE LAST LAUGH
*WE WILL GO EN MASS AND VOTE OUT REMAINING INCOMPETENT ENTITLED LEADERS AT STATE LEVEL
*WE WILL NOT KILL OURSELVES OR DESTROY OUR PVCs
*WE WILL MOST IMPORTANTLY NOT BE FOOLED AGAIN AS WE WILL DEFEND OUR VOTES BY STAYING BEHIND TO COUNT, SNAPPING PHOTOS WITH THE RESULTS AND THE INEC OFFICIALS AS EVIDENCE, ENSURING THE RESULTS ARE UPLOADED ETC.

IgOga:
Dem don waste their votes true true

hurryup123:
Very useless country

adecz:
🆗

insidelife22:
I don't hate tinubu
But to see he is sick and still want to preside over my country and future after what Buhari has done is an insult to my sensibilities.

excanny:
We know it’s Hausa.

Why cany it be written in Latin alphabet, what’s wrong in simply writing Naira Dari? That every Nigerian can read.

How many Nigerians can read Arabic inscriptions?

How will it feel like writing Naira Ogorun in Hebrew inscriptions on our currencies?

Antoeni:
Two million of the likes of Buhari cannot change Nigeria.

�Everything is wrong with Nigeria.

�The Director won't give you contract except you pay up front .

�The banks won't give you loan except you concede a certain percentage.

�The man supervising the contract won't pass the job except you play ball.
�The clerk won't pass your file for payment except you rob his palm.
�The accounts department won't raise your payment voucher or cheque unless you see them. I can go on and on.

�The worst thing is that it has become a norm that nobody sees anything wrong with.
� If you think otherwise, they begin to think you are sick and not normal.
�If you try to stand in their way, you put your life at risk.

�If you get killed there is no justice system in place to seek redress and bring the perpetrators to book.

�The police is corrupt , the Judiciary is the same.
�Even the religious circle is not spared.

�Everything in Nigeria revolves around corruption.
�Nobody cares about anybody. No law and order.
� I looked from my left to right, everybody is only desperate about one thing "money".
�They will kill anybody and anything that stand between them and money.
�I am an electrical engineer with MNSE and COREN. The system don't care about my qualifications.

�Distribution and transmission jobs are given to alhajis, pastors, friends and relatives without any basic skills.
�I started asking myself, how do I convince my kids that education and hard work is rewarding?
�When fools, agberos and touts are running the country from the local govt to the Presidency.

�Is this what my four sons will also go through? In 2014 I decided I have had enough. I decided I was leaving. I migrated to Australia with my family.
�Don't put yourself in harm way for any reason.
�The problem of Nigeria is in the hands of Nigerians living in Nigeria.

�Try starting a gate house in your village, everybody wants to profiteer from it. The bricklayer, the carpenter, the mason and even your brother who claim to be supervising on your behalf.
�They are corrupt, morally bankrupt and selfish.
� Everybody there thinks about himself and nobody is thinking about Nigeria .

�You don't have to be the one to go there to change anything.
�Let those under the hammer start the revolution. I beg make you hear word.
�This post is gonna anger a lot of my followers. I'm still gonna post it anyway.

*Analogy of OPPRESSORS & FOOLISH CITIZENS.
*(A case study of Nigeria citizens & their elected oppressors):

� During the Soviet dictatorship of Joseph Stalin. He was a brutal dictator with mind of his own. On one fateful day, Stalin came to Politburo meeting with a live chicken. Standing in front of audience, He started to pluck the feathers of the live chicken off one by one.

�The chicken trembled in pain, blood tricking out of its pores. It gave out grievous cries, but Stalin being a cruel dictator continued without remorse plucking the feathers out until the chicken was completely naked. After which, he threw the chicken on the ground.

�The naked chicken was staggering in pain. Stalin goes into his pocket and from his pockets, he took out some chicken food and started to throw it at the poor & helpless creature.

�The poor chicken in pain started eating and Stalin started walking towards his seat. As he walked away, he kept dropping some feeds on the floor & the chicken followed him and sat feeding from his feet.

�Joseph Stalin then turned to members of his political party leadership.

�He said, "This chicken represents the people".

�"You must disempower them, brutalise them, beat them up, starve them and then leave them".

�"If you do this, go into your pocket & give them peanuts when they are in that helpless and desperate situation, they will blindly follow you for the rest of their life, worshiping you".

�"They will think you are a hero forever. They will forget that, you're responsible for their sorrowful situation in the first place."

� Breath taking, isn't it ?

�‍♂ Now! Take a look at all the people some Nigerians are busy defending on social media.

�Take a look at those they call their heroes.
�They are the same people who plunged Nigeria into the situation she is.
�They are the same people who are responsible for their predicaments.

�Did you see the numbers of people that throng to Saraki's house during this Christmas period to go and collect peanuts?

�Did you see the crowd that welcomed Ibori and George?

Did you see how Tinubu is worshipped like GOD.

�Your guess is as good as mine. And the likes of many others, we all know about.

�Nigerians kill those they should defend and defend those they should kill!

Lukgaf:
According to the counting of the Sultan, today is the 24th day of DhulQaddah translating that the first day of Dhulhijjah commences next week (Thursday or Friday) In Sha Allah. This article excerpted from IslamQA provides answers to the following questions on Eid-adha and virtues embedded in the month of Dhul Hijjah:

1. What are the virtues of the first ten days of Dhu’l-Hijjah?
2. What are the righteous deeds that it is recommended to do a lot of during these ten days?


The virtues of the first ten days of Dhu’l-Hijjah
Among the great seasons of worship are the first ten days of Dhu’l-Hijjah, which Allaah has favoured over other days. It was narrated from Ibn ‘Abbaas (may Allaah be pleased with him) that the Prophet (peace and blessings of Allaah be upon him) said: “There are no days on which righteous deeds are more beloved to Allaah than these ten days.” They said: “Not even jihad for the sake of Allaah?” He said: “Not even jihad for the sake of Allaah, unless a man goes out himself for jihad taking his wealth with him and does not come back with anything.” Narrated by al-Bukhaari, 2/457

It was also narrated from Anas (may Allaah be pleased with him) that the Prophet (peace and blessings of Allaah be upon him) said: “There is no deed that is better before Allaah or more greatly rewarded than a good deed done in the (first) ten days of al-Adha.” It was said: “Not even jihad for the sake of Allaah?” He said: “Not even jihad for the sake of Allaah, unless a man goes out himself for jihad taking his wealth with him and does not come back with anything.” Narrated by al-Daarimi, 1/357; its isnaad is hasan as stated in al-Irwa’, 3/398.

These texts and others indicate that these ten days are better than all other days of the year, with no exception, even the last ten days of Ramadaan. But the last ten nights of Ramadaan are better than the first ten nights of Dhu’l-Hijjah, because they include Laylat al-Qadr, which is better than a thousand months. See Tafseer Ibn Katheer, 5/412.

What are the righteous deeds that it is recommended to do a lot of during these ten days?.
So the Muslim should start these days with sincere repentance to Allaah, then he should do a lot of righteous deeds in general, then he should pay attention to doing the following deeds:

1 – Fasting

It is Sunnah for the Muslim to fast on the first nine days of Dhu’l-Hijjah, because the Prophet (peace and blessings of Allaah be upon him) encouraged us to do righteous deeds in the first ten days of Dhu’l-Hijjah, and fasting is one of the best of deeds, which Allaah has chosen for Himself as it says in the hadeeth qudsi: “Allaah says: ‘All the deeds of the son of Adam are for him, except fasting, which is for Me and I shall reward for it.” Narrated by al-Bukhaari, 1805.

The Prophet (peace and blessings of Allaah be upon him) used to fast on the first nine days of Dhu’l-Hijjah. It was narrated from Hunaydah ibn Khaalid from his wife, that one of the wives of the Prophet (peace and blessings of Allaah be upon him) said: The Prophet (peace and blessings of Allaah be upon him) used to fast on the first nine days of Dhu’l-Hijjah and the day of ‘Ashoora’, and three days each month, the first Monday of the month and two Thursdays. Narrated by al-Nasaa’i, 4/205 and by Abu Dawood; classed as saheeh by al-Albaani in Saheeh Abi Dawood, 2/462.

2 – Reciting tahmeed, tahleel and takbeer a great deal

It is Sunnah to recite takbeer (saying Allaahu akbar (Allaah is most great)), tahmeed (saying al-hamdu Lillah (praise be to Allaah)), tahleel (saying Laa ilaaha ill-Allaah (There is no god but Allaah)) and tasbeeh (saying Subhaan-Allaah (Glory be to Allaah)), during the first ten days of Dhu’l-Hijjah, saying these words out loud in the mosques, homes, streets and every place in which it is permissible to remember Allaah, to perform this act of worship openly and proclaim the greatness of Allaah.

Men should recite out loud and women should recite quietly.

Allaah says (interpretation of the meaning):

“That they may witness things that are of benefit to them (i.e. reward of Hajj in the Hereafter, and also some worldly gain from trade), and mention the Name of Allaah on appointed days, over the beast of cattle that He has provided for them (for sacrifice)” [al-Hajj 22:28]

The majority are of the view that the “appointed days” are the first ten days of Dhu’l-Hijjah, because it was narrated from Ibn ‘Abbaas (may Allaah be pleased with him) that the appointed days are the first ten days of Dhu’l-Hijjah.

It was narrated from ‘Abd-Allaah ibn ‘Umar (may Allaah be pleased with him) that the Prophet (peace and blessings of Allaah be upon him) said: “There are no days that are greater before Allaah or in which good deeds are more beloved to Him, than these ten days, so recite a great deal of tahleel, takbeer and tahmeed during them.” Narrated by Ahmad, 7/224; its isnaad was classed as saheeh by Ahmad Shaakir.

The takbeer is as follows:

Allaahu akbar, Allaahu akbar, laa ilaaha ill-Allaah, Allaahu akbar, wa Lillaah il-hamd (Allaah is Most Great, Allaah is Most Great, there is no god but Allaah; Allaah is Most Great and to Allaah be praise).

And there are other versions.

This takbeer has become a forsaken Sunnah nowadays, especially at the beginning of these ten days. You can hardly hear it except from a few. It should be recited out loud, so as to revive the Sunnah and remind the heedless. It was proven that Ibn ‘Umar and Abu Hurayrah (may Allaah be pleased with them both) used to go out to the marketplace during the first ten days of Dhu’l-Hijjah, reciting the takbeer out loud, and the people would recite takbeer when they heard them, i.e., the people would remember the talkbeer and each one would recite it by himself; it does not mean that they recited in unison – that is not prescribed in sharee’ah.

Reviving Sunnahs that have been forgotten brings a great deal of reward, as is indicated by the words of the Prophet (peace and blessings of Allaah be upon him): “Whoever revives one of my Sunnahs that has died out after I am gone, will have a reward like that of everyone who does it, without that detracting from their reward in the slightest.” Narrated by al-Tirmidhi, 7/443; this hadeeth is hasan because of corroborating reports.

3 – Doing Hajj and ‘Umrah

One of the greatest deeds that can be done during these ten days is Hajj to the sacred House of Allaah. Whoever Allaah helps to go on Hajj to His House and do the rituals in the required manner will – in sha Allaah – be included in the words of the Messenger of Allaah (peace and blessings of Allaah be upon him): “An accepted Hajj brings no less a reward than Paradise.”

4 – Udhiyah (sacrifice)

One of the righteous deeds that bring a person closer to Allaah in these ten days is to slaughter the sacrifice and to look for a good, fat animal and to spend money on it for the sake of Allaah.

Let us hasten to make the most of these great days, before the negligent regrets what he did, and before he asks to go back and receives no response.

Ikaosunwon:
what size, other numbers?
height and width?
245-75-R16

265-75-R16

285-75-R16

265-70-R16

215-60-R16

205-55-R16

225-60-R16

205-60-R16

215-55-R16

195-50-R16

215-85-R16

235-85-R16

225-75-R16

235-70-R16

245-70-R16

255-70-R16

255-65-R16

205-50-R16

225-50-R16

225-55-R16

215-65-R16

205-65-R16

235-65-R16

195-55-R16

235-60-R16

205-70-R16

215-70-R16

225-70-R16

185-55-R16

315-75-R16

225-65-R16

195-75-R16

235-75-R16

205-45-R16

tunene66:
A spokesman for Mr Emefiele did not return a request seeking comments, and the CBN governor himself declined comments.

The development all but confirms Mr Emefiele’s readiness to contest the 2023 presidential race, and puts to rest speculation about whether or not he would join partisan politics while leading the nation’s central bank. He is the first central bank governor to join active politics and seek an elective position while in office.

Details shortly…


https://gazettengr.com/just-in-cbn-governor-emefiele-picks-n100-million-apc-presidential-nomination-form/?utm_source=ReviveOldPost&utm_medium=social&utm_campaign=ReviveOldPost


https://twitter.com/GazetteNGR/status/1522568458101272576?t=RTS62zka0VCaVRCG6JKJ2Q&s=19[/quote]He will have to resign his position as CBN governor before the primary election.

Rugaria:
ESN was hailed. Not some unknown gunmen..
ESN protects The East from Fulani Herdsmen who have been left to wander and kill freely..
The people are with ESN while the government are with unknown gunmen.
It's that simple.
The East will not allow you guys to criminalize The ESN.
If we do so, we will be left bare for your vandals Toomey and rape and plunder..
It won't happen..

rexlims:
Good evening house.
Pls I am asking for a friend who is contemplating getting either a honda odyssey or a sienna.
Apart from d difference in prices, what about cost of maintenance, fuel consumption and durability?
Thanks car enthusiast as I await ur response.

Dot101:
Can Muslim schools accept that if it where to be vice versa?

Jaiz bank is an Islamic bank ( Muslim bank per sae) in Nigeria that wouldn't open account for a non Muslim talk less of granting them loan facilities.

If it where to be a Christian bank, they will find a way to stifle it to accommodate them.

Damilolagboye:
Good engine
Good gear
Chilling ac
Good tires


Price: 3.8million slightly negotiable
Contact: 08066353225
Location: Lagos